FHA VS Conventional loan in Amherst, Hampshire County, Massachusetts

In 2026, the Conventional loan limit for Amherst, in Hampshire county, MA, is $647,200. In contrast, the FHA limit for a single-family home is $420,680.

Use the Lendersa® Conventional loan calculator to compare today’s best rates for Conventional, FHA, and USDA loans. It helps determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator shows Conforming Conventional, USDA, FHA, and VA loans side by side, helping you decide which program in MA suits your financial situation best.

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2026 Loan Limits and Downpayment Requirements in Amherst, County of Hampshire, MA

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison applies to the zip codes: 01002

Options for Conventional and FHA Loans in Amherst, MA

The aim of Lendersa® is to rapidly secure the best Conventional, USDA, or FHA loan for you, free of hassle. Choose from three starting options to find matching lenders and loan programs.

Lendersa USDA loan request and matching results


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  • Exchange Bank and Trust Company
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  • The Payne County Bank
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  • East Texas Professional Credit Union
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  • Americas Mortgage Center, Ltd.
  • 907 Judson Road, Longview, TX, 75601
  • America's Mortgage Center specializes helping home buyers get into homes with very little or no money down. Over 20 years experience in FHA, VA, USDA Loans. We help seniors with Reverse Mortgages. Our low rates and low closing cost make all of our mortgage loans affordable for Refinancing, Home Equity Loans. Call us today to get started.